How to Send NACHA ACH Files to Wells Fargo's CEO Portal
NACHAACHWells FargoBank Guides
Scope: the NACHA fixed-width format is a single national standard — there is no Wells Fargo-specific record layout. This guide covers the standard NACHA fields the CEO portal checks against your origination agreement.
Wells Fargo originates ACH files through its Commercial Electronic Office (CEO) portal, accepting the same standard NACHA fixed-width specification used across the ACH network. Rejections at this stage are almost always a header-data mismatch or an approval-workflow step, not a format problem in the file body.
What has to match your Wells Fargo origination agreement
| Field | Where it comes from |
|---|---|
| Company ID | Your Wells Fargo-assigned Company Identification. |
| Account/routing details | Must match your origination agreement exactly, or the CEO portal will reject the upload. |
| SEC code | PPD for payroll, CCD for vendor payments — the CEO portal supports both. |
Common rejections and the direct fix
- Company ID or account/routing mismatch. Verify these against your origination agreement before generating — the CEO portal rejects on header mismatch rather than partially processing the file.
- File uploaded but stuck in an approval queue. Depending on your account's configuration, an uploaded file may require a separate approval step in the CEO portal before it's released for processing.
- Routing number fails the ABA check digit. See ABA Routing Number Validation.
- Missed the same-day cutoff. Confirm same-day ACH cutoff times, per-file transaction limits, and approval workflow requirements with your Wells Fargo treasury management representative.
Generate the file
- Enter your Wells Fargo-assigned Company ID and account/routing details in Company Settings.
- Map account number, routing number, amount, and name from your Excel source.
- Select PPD or CCD to match the payment type.
- Generate the fixed-width file and upload it to the CEO portal.
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